Side-by-side · Q2 2026 data
First Century Bank vs Paragon Bank
Metric by metric
| Measure | First Century Bank | Paragon Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 62 |
| Capital cushion | 44 (stronger) | 37 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 88 (stronger) | 56 |
| Funding & liquidity | 55 (stronger) | 46 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 53rd | 22nd |
| Total assets | $809.8M | $908.1M |
| Deposits / shares | $722.3M | $765.3M |
| Capital ratio | 9.44% (stronger) | 8.67% |
| Problem loans | 0.07% (stronger) | 0.18% |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 1.69% (stronger) | 0.90% |
| Loans ÷ deposits | 96.9% (stronger) | 106.1% |
| Uninsured deposits | 22.7% | 22.7% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
First Century Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 6 and Paragon Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.